The State Exchange Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin climbed 0.71 percentage points in Q2 2026, from 3.47% to 4.18%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The State Exchange Bank is 92nd of 169 on net interest margin, 4.18% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The State Exchange Bank sits 0.29 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 7.85% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.74% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.33% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $555K |
| Interest expense on deposits | $550K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.77% | 3.36% | 3.84% | 7.39% | 1.95% |
| Q4 2023 | 6.99% | 3.50% | 3.84% | 7.51% | 2.14% |
| Q1 2024 | 7.07% | 3.41% | 3.92% | 7.56% | 2.14% |
| Q2 2024 | 7.11% | 3.50% | 3.92% | 7.58% | 2.47% |
| Q3 2024 | 5.09% | 3.57% | 1.85% | 5.32% | 2.62% |
| Q4 2024 | 6.26% | 3.40% | 3.14% | 6.77% | 3.28% |
| Q1 2025 | 5.84% | 3.17% | 2.82% | 6.23% | 3.13% |
| Q2 2025 | 5.48% | 3.06% | 2.66% | 6.02% | 2.50% |
| Q3 2025 | 6.21% | 3.14% | 3.28% | 6.78% | 2.82% |
| Q4 2025 | 7.31% | 3.01% | 4.60% | 8.48% | 3.09% |
| Q1 2026 | 6.05% | 2.80% | 3.47% | 6.92% | 3.12% |
| Q2 2026 | 6.68% | 2.74% | 4.18% | 7.85% | 3.60% |
The State Exchange Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Exchange Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The State Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13551) · FFIEC NIC profile (RSSD 354851)